Description
Credit advisers offer guidance to customers related to credit services. They assess the customer's financial situation and debt issues arisen from credit cards, medical bills and car loans in order to identify optimal credit solutions for customers and also provide debt elimination plans to adjust their finances if needed. They prepare qualitative credit analyses and decision-making material in respect of defined customers in conformity with the bank's strategy on credit policy, ensure the credit quality and follow up on the performance of the credit portfolio. Credit advisers also have expertise in debt management and credit consolidation.
EssentialOptional
Theoretical Knowledge
Practical Skills
examine credit ratingsprovide support in financial calculationassess debtor's financial situationanalyse loansmaintain credit history of clientsmaintain client debt recordsanalyse the credit history of potential customersprovide financial product informationprepare credit offersperform debt investigationobtain financial informationadvise on financial mattersconsult credit scoreanalyse financial riskbudget for financial needsassess risks of clients' assetsforecast future levels of businessdetermine loan conditionsdevelop investment portfolioreview investment portfolioscommunicate with banking professionalsinterpret financial statementsinterview bank loaneesadvise on risk managementmonitor national economysynthesise financial informationprepare credit reportsadvise on credit ratingcreate a financial plan